Mortgage Adviser & Broker in Romford
Last reviewed October 2026.
How much do homes cost in Romford?
Homes in Romford sold for a median £427,000 between July 2025 and June 2026, across 1,424 standard sales in RM1, RM2, RM3, RM5 and RM7. Flats had a median of £255,000 and semi-detached houses £483,000. These are HM Land Registry sale prices, as at mid-2026.
| Property type | Sales | Median price | 10th to 90th percentile |
|---|---|---|---|
| All types | 1,424 | £427,000 | £228,500 to £622,500 |
| Flats and maisonettes | 350 | £255,000 | £155,200 to £330,000 |
| Terraced | 497 | £430,000 | £355,800 to £538,400 |
| Semi-detached | 489 | £483,000 | £395,000 to £681,000 |
| Detached | 88 | £672,000 | £437,700 to £1,132,500 |
Source: HM Land Registry Price Paid Data, standard sales completed 1 July 2025 to 30 June 2026. Recent months are incomplete because sales take time to register.
Which parts of Romford cost most?
By postcode district, the median sale price was £521,250 in RM2 (the Gidea Park area), £457,250 in RM1, £435,000 in RM5 (Collier Row), £425,000 in RM7 and £412,250 in RM3 (Harold Wood and Harold Hill). RM1 had the most flat sales.
What does the official house price index say?
The UK House Price Index puts the average price across the whole of Havering at £448,648 in July 2026, up 2.1% on a year earlier. This covers the borough, not Romford alone. The average for first-time buyers was £388,533.
How much is council tax in Romford?
Band D council tax in Romford is £2,424.66 for 2026/27. That total includes Havering's own charge and the Greater London Authority precept. Your bill depends on your band, which is based on the home's value on 1 April 1991.
| Band | Full charge 2026/27 | With single person discount |
|---|---|---|
| A | £1,616.44 | £1,212.33 |
| B | £1,885.85 | £1,414.39 |
| C | £2,155.25 | £1,616.44 |
| D | £2,424.66 | £1,818.50 |
| E | £2,963.47 | £2,222.60 |
| F | £3,502.28 | £2,626.71 |
| G | £4,041.10 | £3,030.83 |
| H | £4,849.32 | £3,636.99 |
Havering bills and collects the tax. The GLA precept helps fund the Metropolitan Police, the London Fire Brigade and TfL, so there is no separate police or fire line on a London bill. The Valuation Office Agency sets bands. Check a home's band on GOV.UK before you offer.
Source: Havering Council, council tax bands and bills, as at October 2026.
How much could I borrow to buy in Romford?
Lenders typically cap borrowing at about 4.5 times your yearly income, and many offer less. Most mortgages also need a deposit of at least 5% to 10% of the price. At the Romford median of £427,000, a 10% deposit is £42,700. Use the calculator below for a rough figure.
The Bank of England limits how much lending can be at 4.5 times income or more. A regulated adviser can check what lenders would offer you. When a fixed or discounted deal ends, you usually move to the lender's standard variable rate, so it pays to review before then.
Sources: MoneyHelper and the Bank of England Financial Policy Committee, as at October 2026.
How much stamp duty would I pay in Romford?
Romford is in England, so you pay Stamp Duty Land Tax. At the median price of £427,000 a home mover pays £11,350 and a first-time buyer pays £6,350. First-time buyers pay nothing up to £300,000, and lose the relief above £500,000.
Romford affordability and stamp duty calculator
A quick, no-obligation way to see roughly what you could borrow in Romford and what stamp duty you'd pay. Illustration only. Real figures depend on the lender and your circumstances.
Illustration only, not a mortgage offer. Lenders' income multiples and criteria vary. Your home may be repossessed if you do not keep up repayments on your mortgage.
Borrowing ready-reckoner (around 4.5× income)
| Yearly income | Rough maximum mortgage |
|---|---|
| £40,000 | ~£180,000 |
| £60,000 | ~£270,000 |
| £75,000 | ~£337,500 |
| £90,000 | ~£405,000 |
| £120,000 | ~£540,000 |
Stamp duty (SDLT) in England, as at October 2026
| Portion of price | Standard rate | First-time buyer |
|---|---|---|
| Up to £125,000 | 0% | 0% (up to £300,000) |
| £125,001 to £250,000 | 2% | 0% (up to £300,000) |
| £250,001 to £925,000 | 5% | 5% on £300,001–£500,000 (no relief over £500,000) |
| £925,001 to £1.5m | 10% | No relief (standard rate) |
| Over £1.5m | 12% | No relief (standard rate) |
Worked examples: a £250,000 home = £2,500 stamp duty (£0 for first-time buyers); a £450,000 home = £12,500 (£7,500 first-time buyer); a £650,000 home = £22,500 (first-time buyer relief doesn't apply over £500,000). An additional-property surcharge of 5% applies to second homes and buy-to-lets.
SDLT rates as at October 2026 (England and Northern Ireland). Scotland (LBTT) and Wales (LTT) differ. Figures are a guide, confirm with your conveyancer.
Which schools are in Romford?
The state schools below cover RM1, RM2, RM3 and RM7, and most of them are academies run by trusts. Ofsted stopped giving single overall grades in September 2024, so each result below shows its inspection date. Havering co-ordinates admissions.
| School | Type and area | Latest Ofsted result |
|---|---|---|
| Redden Court School | Academy, 11 to 16, Harold Wood RM3 | Judged Outstanding in all areas at its graded inspection on 18 October 2022 |
| The Royal Liberty School | Boys' academy, 11 to 16, Gidea Park RM2 | Ungraded inspection 7 to 8 February 2024: its earlier Good judgement was unchanged |
| The Frances Bardsley Academy for Girls | Girls' academy, 11 to 18, RM1 | 19 November 2024: quality of education Good; behaviour, personal development and leadership Outstanding; sixth form Good |
| Bower Park Academy | Academy, 11 to 16, RM1 | Judged Good on 13 September 2023 |
| Marshalls Park Academy | Academy, 11 to 16, RM1 | Judged Good on 30 January 2020; an ungraded inspection on 29 to 30 April 2025 found some aspects may not be as strong |
| St Edward's CofE Primary | Voluntary aided, 2 to 11, RM1 | 22 October 2024: Outstanding in all five areas |
| Crowlands Primary School | Primary, 3 to 11, RM7 | Ungraded inspection 17 to 18 October 2023: continues to be a good school |
| The Mawney Foundation School | Foundation, 3 to 11, RM7 | 20 May 2025: Good in all five areas |
| Rise Park Junior School | Academy, 7 to 11, RM1 | Judged Good on 16 November 2022 |
| Rise Park Infant School | Academy, 3 to 7, RM1 | Ungraded inspection 21 to 22 March 2023: continues to be a good school |
| Drapers' Pyrgo Priory School | Academy, 3 to 11, Harold Hill RM3 | 17 June 2025: Good in all five areas |
Since November 2025 Ofsted publishes report cards instead of one-word grades. Read the current report for any school on Ofsted reports, and check catchment rules with Havering Council. Inspection results as at October 2026.
How long does it take to get from Romford to London?
Romford is on the Elizabeth line. Liverpool Street takes 28 to 29 minutes direct, Stratford 21 minutes and Bond Street 37 minutes. Canary Wharf takes 31 to 35 minutes with a change at Whitechapel. Times are from the TfL journey planner for a weekday in October 2026.
| From Romford to | Time | Route |
|---|---|---|
| Stratford | 21 min | Elizabeth line, direct |
| Whitechapel | 26 min | Elizabeth line, direct |
| Liverpool Street | 28 to 29 min | Elizabeth line, direct |
| Tottenham Court Road | 35 min | Elizabeth line, direct |
| Bond Street | 37 min | Elizabeth line, direct |
| Canary Wharf | 31 to 35 min | Elizabeth line, change at Whitechapel |
| Upminster | 9 min | London Overground Liberty line via Emerson Park, about every 30 min |
Romford, Gidea Park and Harold Wood stations are all on the Elizabeth line. Romford station has no car park. Collier Row and Harold Hill have no rail or Tube station. By road, Gallows Corner links the A12 with the A127. Havering's main road links include the A12, A127, A13 and M25.
Check live journeys on the TfL journey planner.
Where are the GP surgeries and hospitals in Romford?
Queen's Hospital on Rom Valley Way has a 24-hour emergency department, and King George Hospital in Goodmayes has another. Both are run by Barking, Havering and Redbridge University Hospitals NHS Trust. Romford GP practices include North Street Medical Care and St Edwards Medical Centre.
- North Street Medical Care, 274 North Street, RM1 4QJ
- St Edwards Medical Centre, 7 St Edwards Way, RM1 3DQ
- Dr Marks Practice, 107 Brentwood Road, RM1 2SH
- Western Road Medical Centre, 99 Western Road, RM1 3LS
All four were shown on NHS.uk as accepting new patients when checked in October 2026. Registration status changes, so check NHS find a GP for a specific address.
Romford is policed by the Metropolitan Police: call 999 in an emergency and 101 otherwise. Romford Fire Station is at 198 Pettits Boulevard, RM1 4PL.
Is Romford at risk of flooding?
The River Rom flows through Romford, and the Environment Agency runs flood warning areas for the Rom at Romford, Rush Green and Collier Row. Check the long-term risk for the area of any home before you offer. The service shows area risk, not the chance a particular house floods.
Nearby warning areas also cover the Rivers Beam and Rom and the River Ingrebourne at Hornchurch and Harold Park. Smaller streams include the Ravensbourne, which rises in Ardleigh Green and runs through Emerson Park and Harrow Lodge Park, and Black's Brook, which runs alongside Raphael Park.
Check long-term flood risk on GOV.UK, current warnings on check for flooding, and Havering's flooding advice.
What is Romford known for?
Romford is known for its market, first opened in 1247 by order of Henry III. The town was historically in Essex and became part of the London Borough of Havering in 1965. The market still runs every Wednesday, Friday and Saturday.
- 1839: the railway arrives and Romford station opens.
- 1910 to 1911: an architectural competition builds 159 homes at the Romford Garden Suburb in Gidea Park.
- 1937: Romford becomes a municipal borough.
- 1972: The Liberty shopping centre is completed.
- 1993: the brewery closes and its site later becomes The Brewery.
Gidea Park has been a conservation area since 1970. Havering-atte-Bower, a village on Havering Ridge, became one in 1968. Sources: Victoria County History of Essex and Havering Council conservation area appraisals (2025).
What parks and leisure are there in Romford?
Raphael Park is a 44-acre park with a lake, tennis courts and a café, opened in 1904 as Havering's first public park. Bedfords Park lies about 3.5km north of the town. Sapphire Ice and Leisure has an ice rink and two pools.
- Bedfords Park: 215 acres, a local nature reserve with red deer and an Essex Wildlife Trust centre.
- Havering Country Park: 165 acres, with an avenue of about 100 Wellingtonia trees.
- Sapphire Ice and Leisure, 24 Western Road: ice rink, 25m pool, gym. Home of the Romford Raiders ice hockey team.
- The Liberty and The Mercury shopping centres, and The Brewery with a Vue cinema.
Sources: Havering Council park pages and Everyone Active, as at October 2026.
Check broadband before you make an offer in Romford
Broadband speeds can vary street by street in Romford, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
Check broadband at an address (Ofcom)How does an introduction to a mortgage adviser work?
Tell us what you need and we pass your enquiry to a separately regulated mortgage adviser, with your permission. We do not advise on mortgages ourselves. The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to.
We do advise on protection ourselves: life insurance, critical illness cover and income protection.